Business Checking Accounts
Support the daily financial management needs of your business with the convenience and reliability of an HNB Business Checking Account. Visit one of our office locations to open your account today!
Free Business Checking
Features and Benefits
- HNB Visa® Business Debit Card
- HNB Online Banking with Bill Pay
- QuickBooks® and Quicken Service Integration with HNB Online Banking
- HNB Mobile Banking
- eStatements and Notices
- Coin and Currency Service
- Processing of
- Checks or Direct Debits
- In-Person, Night Deposit or Direct Deposit
- Automatic Funds Transfers (AFTs)
- Automated Clearing House (ACH) Transactions
Account Requirements
- No minimum balance requirements
- No monthly maintenance fees¹
Overdraft, Returned Item, Continuous Overdraft, Dormant Fee and Bad Address Fee may be assessed if applicable
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Interest bearing checking
Features and Benefits
- Earn the Current Interest rate on your account balance
- All of the features and benefits of Free Business Checking
Account Requirements
- Only available to sole-proprietors
- $1000 minimum balance per statement cycle to avoid $5.00 monthly fee
- No monthly maintenance fees¹
-
Fees may reduce earnings
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Money Market Deposit Accounts (MMDA)
Features and Benefits
- Tiered interest paid on all balances
- Interest is accrued daily, credited and compounded monthly
- Interest rate may change daily, with no minimum or maximum
- Immediate access to all collected funds
- All of the benefits of Free Business Checking
Account Requirements
- Fees may reduce earnings
- Must maintain a $1000 minimum balance to waive $5 monthly fee
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Investors Advantage MMDA
Features and Benefits
- Interest is accrued daily, credited and compounded monthly
- Interest rate may change daily, with no minimum or maximum
- Immediate access to all collected funds
- All of the features and benefits of Free Business Checking
- Earn tiered-interest on entire account balance when each tier is reached:
- Less than $2,500
- $2,500 - $9,999.99
- $10,000 - $24,999.99
- $25,000 - $49,999.99
- $50,000 - $99,999.99
- $100,000 - $249,999.99
- $250,000 - $499,999.99
- $500,000 - $999,999.99
- $1,000,000 or greater
Account Requirements
- Fees may reduce earnings
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As of Monday, November 2, 2020, transfer and withdrawal limits will no longer apply to your HNB Savings Accounts or Money Market Accounts allowing you greater flexibility with your money management needs. You can now experience greater ease managing your finances using our convenient digital offerings and service locations as often as the need arises.
Effective May 11, 2018, new rules under the Bank Secrecy Act will aid the government in the fight against crimes to evade financial measures designed to combat terrorism and other national security threats. EACH time an account is opened for a covered Legal Entity, we are required to ask you for identifying information (name, address, date of birth, social security number as well as identification documents) for:
- Each individual that has beneficial ownership (25% or more); and,
- One individual that has significant managerial control, of the Legal Entity.
If you are opening an account on behalf of a Legal Entity, you will be required to provide the appropriate documentation and to certify that this information is true and accurate to the best of your knowledge.
¹Fees are incurred for transactions drawn against insufficient funds. National chains/franchises and high volume businesses may be subject to monthly maintenance fees. Rates are subject to change after account opening.